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Unless you work in a bank or at a cash register,

Posted By: Ch13 on 2006-02-27
In Reply to: Deeplyindebt - Indebt

doubt they would do a credit check. I remember telling my employer during my interview about my Ch13, explaining the surgery, the divorce, the agony...she sat there and then said "we don't do credit checks." This was at a major hospital. Background checks only.


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I keep the minimum amount of cash in the bank. I may sound paranoid but I fully

there to be locked up.  The banks are scampering around if you notice.  They have written notices that they can raise your interest rate to 28% or more for just about no reason on the credit cards.  I think they have let way too much money borrowed out be on the books, and now the little man is having to pay either with money, or his financial credit. 


If you read about GOLD, gold is selling for a lot, all over the world, even in this supposed stable time.  That's a sign they say that things aren't as steady as the powers that be want you to believe.


She could probably sell the purse on the street for cash, then use the cash for drugs. nm
x
Any good ideas where to look. Job Bank and Resume bank not working.
I think they must be waiting for a tech for repairs.
I use register.com
.
website but one has to register...sm
http://www.docsinarow.net/
I designed my own site using register.com
.
It would be one thing if we actually had to register with user IDs.
Other than that, I'll bet there are many NYMTs out there. It's not like the person was deliberately trying to impersonate you or steal your identity. Come up with something less common.
no thanks-I never register for boards/chat...

Did they register for gifts at cerain places? That
zz
anyone register a web domain? Did you just follow the link that pops up or
nm
or contact Bytescribe and request that the Product Serial Number be reset so that you can register o
didnt fit

If you have exceeded this number of registrations, you will need to purchase a new license or contact Bytescribe and request that the Product Serial Number be reset so that you can register online.

I just said I DON'T have the extra cash.
However, I'm not going to shop there because what comes around, goes around. If I don't support the other small businesses in my area, they won't support my business or my husband's business.
What about my cash flow problem?
She owes me for 2 weeks work.
Good for you!! We are the same as far as paying with cash.
It was (and still is occasionally) hard to be patient and save for what you want instead of using credit, but it is so, so, so worth it!!  Nothing like peace of mind and not being "owned" by creditors and employers.  Best of luck to you and thanks for sharing. 
Is it unheard of to cash in PTO with national?

I have 75 hours of PTO and wonder if the national I am with (starts with an S and ends with an S) would allow me to cash it in?  This thought just occurred to me so will call HR when I have time to but just wondered if anyone has done this and is it an unreasonable request.


Thanks


Yeah, i need the extra cash
my husband passed away in january. I need the promotion or I have to get a second job and I thought to work at home would be good because I still have a 15 year old at home. Oh well, I was trying to get prepared, but God will provide. I'm sure it will all work out. The hospital I work for has been very good to me so I count my blessings there. Thanks!
The difference between a refi with cash out and a
home line is there is a variable rate with a home equity line of credit. The refi with cash out finance rate is 4.625% right now.
Ew. My DH listens to Johnny Cash and the Highwaymen.
I tell him it's canner music. I've listened to AC/DC for 25 years, but I listen to a lot of other types of music, too. My kids were surprised because they didn't know I listened to AC/DC and they like it, too. They don't like Johnny Cash or the Highwaymen either. At least AC/DC isn't rap or thrash metal. (Angus rules!) My son's learning to play electric guitar and he likes all those old rock bands.
The reason I don't tip is because I NEVER have a dime on me. I don't carry cash, ever! I don&#
debit card and it's been like that for 4 years. I use a check or credit card for EVERYTHING!!!!!!!!!!!
I havent had insurance in many, many years, I pay cash and like SM
the poster below I usually get a 20% discount, but you have to call around to find out who will give it to you. My DD had to have an MRI last year and I got a big discount on that too by calling around.

Originally, insurance was intended for hospitalization, not regular doctor visits. I dont know how it evolved into this monster we have now, but it sure has driven the cost up.
hey if you can afford it and a supervisor's approval means more to you than cash, have at it.
i want the luck of the draw.  you think your supervisor is going to pay your bills when she routes crap to you and it takes you twice as long to do a report?  all you do is make her look good and she gets a raise. 
It's true that if you cash a check, they are no longer liable, but
with direct deposit, we are not given the choice to cash it or deny it. Wonder how that direct deposit affects that choice.
But you have learned nothing. Ever hear of paying cash for what you want, instead of financing?

Buy him a Johnny Cash CD, my kids are singing their hearts out right now to JC.
c
Hey if you have the cash more power to you. Obviously the rest of the country doesn't.
Everytime I go into a Walmart I see poor folks shopping and I never see poor folks in high-end stores with la-de-dah staff snubbing them. We just can't afford the prices independents need to charge the consumer.
Seems to be getting paid with a cash "card" instead of a check. Done at other types of
s
NEW CONTRIBUTION! $100 CASH courtesy of Meditec! Click on Santa's
/
CONGRATULATIONS! Cathy S. on winning $100 CASH courtesy of Meditec!
/
For extra cash I just started donating blood plasma SM

to BioLife, owned by Baxter. They pay about $50 a week for this (put on debit card). Does anyone else do this, and what other things like this is anyone aware of? It's not as gross as it sounds, just like giving blood, and they separate your plasma from the blood and give you your blood back.


slow periods, seek alternative extra cash? sm
Docs, like us, have busy family lives. I found that after Hannukah and Christmas (or sometimes with a break from family stuff) they "catch up" on dictation. Hopefully, this is what still happens. I have a son who is a professional and he likes to go in on Christmas Eve morning because it's so "slow" that he can get a lot of paperwork done. So hang in. Another aspect of today's world is that docs are carrying laptops now as is my family PCP and they are all doing their own notes. I think it's a "wait and see" thing, the world is changing and hopefully there is a survival tool for us somewhere. We are all being replaced by technology, sadly. Only time will tell. I was told several years ago that I should go into "scoping" which is kind of like editing, etc., you go into public stenographers machine gibberish and make sense out of it, kind of like making sense out of what comes back from India. I was offered this but refused to clean up someone else's "mess." Everyone should be thinking of alternative ways to get by, it's never easy. It's sad, as I have put a lot of time and $$$ into a profession that doesn't appreciate my knowledge. From your posts, Blondie, you have a good heart. I hope things get better for you. Try to have a happy holiday. How did you make out with those dogs you took in? Did the owner take them back or at least pay you? This may be an alternative few extra bucks for you. You seem to be an animal lover and a caring person.I don't live near you, but I would rather leave my Golden with you than some kennels around here. Thus, I do not go away if I can't take my dog. Hope things pick up for you work-wise.
I agree -- check, cheque, chex, etc. -- who cares as long as you can cash it? :-) sm
It is rather disappointing to see a bunch of professionals bickering over such a trivial issue. 
Wow what bank
did your son use?

I recently had my debit card number stolen when I was visiting in Toronto. My bank's fraud department called me within a day of the fraudulent charges. They had already denied 2 of them, and the one that did go through I was refunded every dime of. I guess I have a pretty good bank! (Wells Fargo).

The cop that I talked to when I filed a report said that they have one guy who does nothing but take the fraud calls every day, that is how many there are now. One poor little old lady had her entire account cleaned out, and on top of that the people somehow managed to SELL her HOUSE out from under her. I don't know exactly how they did that but she was not able to get it back, she was pretty much SOL. I guess it makes good sense to check to see how your bank deals with fraud and what the policy is on giving you back your money.

Also his advice was to get a shredder, and the kind that shreds both ways, and he told me that he even blocked out his address on his car registration. He says he never has anything in his car that has any personal info like that on it. I thought that was interesting and did not even know that was okay to do. But I guess if a cop is doing it it must be!
Do you have time to waitress? Would be fast cash if you're willing. And home health aides get pai
s
just called the bank and

Sure it is SS that is late and not your bank? They have to
build deposit files and it may be the banking system having problems.

Just trying to help.
Since your a former bank manager- how can I get
my credit score up?  My husband and I want to buy a house with no down payment and the lender said that we need to get our credit score up 18 points to do this.  How?  He mentioned paying our credit cards down to almost a zero balance.  What else can we do?  And how fast could we do it?
Resume Bank.
http://resumes.mtstars.com
Hey former bank manager, what
does the "came way" mean?  Is that a banking term?
Smile all the way to the bank!
nm
I would. My son got his job at the bank he believes by
hope it didn't get cut off.
If you bank with Wachovia they have/are

sending 400 call center jobs to India, which also means they have access to your financial information.  I use a local credit union, but have a home equity loan with Wachovia and with that they gave us, checking, savings, credit, debit accounts.  I have closed all but the home equity account so far and told them why.  I'm currently in the process of shopping rates to open a new home equity loan too. 


No telling how many more banks/credit card companies are doing the same.


Talk to your bank
With DD, your bank statement is proof that the company paid you or not. With checks or prepaid credit cards, if it's lost in the mail YOU have no proof it wasn't sent. If it gets screwed up in adding it to the card, YOU have no proof the MTSO is at fault and you have to fight with Visa.

The MTSO is correct in refusing to tell you which other MTs get Visa--they have a right to privacy.

The main problem I can see with Visa is that it's just inappropriate. You'll be forced to spend every penny you earn AND spend it at an establishment that takes Visa. How do you plan on saving? How do you plan to pay your insurance and other expenses? What if your children need $10 for school?

You also may be subjected to fees and/or expiration of the funds on the card.

Why don't you talk to your bank about the safety of direct deposit? Perhaps if they can calm any unfounded fears you have, you can be paid in a more appropriate manner.





Bank jobs
I have a good friend who is a bank branch manager.  Tellers, etc. are entry level.  She just hired my hairdresser!!!!  Don't know about where you live but I think most bank jobs are entry level in the smaller banks at least.
I agree w/you, bank manager...
God is not a vindictive (sp?) God, He is a kind and loving God.  This hurricane is simply nature, and nothing more, I'm sure...Would you bring your wrath down so hard on your own children for something they did that was wrong? Well, that's how God feels about us...His children, everyone of us. Even those who fight so hard to have Him removed from our lives...we are extremely blessed that God is so wonderful!
Put it in the bank. 100 years of interest. Just think!

Give me a break! 


I needed a good laugh, thanks for posting.  Trust me, I'm only laughing at the sheer stupidity of issuing a check for one cent. You can't even rebel and send it back to them because you'd be out 36 cents.


Maybe you should frame it and label it, "My Big Bonus."


because the person used to be a bank manager
nm
I didn't think former bank managers
made any mistakes.
Take the money from your own bank account
I agree..The things *she* donates are from manufacturers that get a plug on her show or from the people who watch her show and donate to her Angel Network. Even when she donated cars, the people who got them had to pay the tax and registration on the cars, which came to a few thousand dollars each.  These people could not even afford to buy new cars and they are gonna come up with a few thousand for taxes, etc.?  Oprah is out of touch with the real world.  I think Stedman Graham said it best on one of her shows, he told Oprah she was not nice.  She seemed shocked and asked well, who is nice and he said Gayle King, her best friend.  Oprah is pompous and acts like she thinks she is smarter and better than others..She isnt in my book.  Come on, Oprah, how much of your billions are you gonna spend in your life time?  Dont take the money from the public who watch your show..take it from your own bank account.
If you make enough of a fuss at your bank they
can, and will, release the funds back to you immediately. We bank at Commerce, and have had so many flubs with our debit card that we have 2 separate accounts - one just for the debit card with a limited balance in case it ever gets hit. But we have had lots of errors - ebay once hit the card for one of those burps at 1 cent for about a zillion times - other errors just like above, and I was told, too, that it had to take 3 days to release the hold. When I flipped out over it, it got released immediately. After all, it is our bank and we are the customer, right? Stick to your guns and you'll get your $$ instantly, if a mistake has been made that is verifiable.
Go to your bank or credit union and they can help
you set it up.   What you claim depends on how you setup the account.  You can claim $$ this year provided it is paid in by 4/15 and get taxed when you take out, or you can put in after taxes and not get taxed when taking out. 
I did, actually I got two jobs through the resume bank.
I went to work for a small independent company and was there for 2 years and then got a job with a national 3 months ago.  Both places had contacted me from my resume being on this site.